I’m looking at having an extending tummy tuck with lipo, and a breast lift/augmentation sometime early next year and the costs are going to be roughly in the 25k range (insurance won’t cover any of this as it’s an elective cosmetic procedure and my insurance doesn’t cover anything related to weight loss). I’m curious what most of you that had more costly surgeries used for financing? Did you do a personal loan, Care Credit, other financing options, or credit card? Any tips would be helpful!

I paid $16,100 for a tummy tuck with muscle repair, breast lift & augmentation, and arm lift. My surgeon wrote me a letter of medical necessity relating the need for muscle repair to ease chronic low back pain. Although my insurance wouldn’t pay for it, I was able to use my flexible spending account funds ($2500) I saved and paid cash for about $7000 by working overtime shifts at my hospital and charged the rest to Care Credit with 0% financing for 12 months. I’ll have it paid off before that so won’t pay any interest.

Last year I had 360 lower body lift and brachioplasty. The money for that came from savings account. On Monday I just had breast lift, back lift and scar revision on left arm. In about six months I hope to have a thigh lift and anything else I decide I need. None is covered by insurance. I bought a condo almost 3 yrs ago but never sold my house that I owned because I wanted to wait until the value went up just a little more to make sure I had the money for my surgeries. I sold the house this past April, made lots of money on it, paid off the condo and put the rest in the bank to use for my surgeries. Since my doctors office doesn't take personal checks, I put the entire cost on my bank credit card and got 1% back. I paid off the entire amount as soon as it posted online and got the message "This is more than you usually pay." Yep, it sure is! I also called customer service and informed them I was going to make this charge so they wouldn't lock my account.